| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | UNITED HEALTHCARE INSURANCE COMPANY | $255K | $0 | $255K | 3.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $66K | $0 | $66K | 9.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $41 | $18K | 2.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE | $28K | $0 | $28K | 21.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE | $27K | $0 | $27K | 19.92% |
| BENEFIT SERVICES GROUP, INC.3 | 8833 PERIMETER PARK BOULEVARD SUITE 802 JACKSONVILLE, FL 32216 | AMERICAN HERITAGE LIFE INSURANCE | $578 | $0 | $578 | 0.43% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES, INC. | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | AMERICAN HERITAGE LIFE INSURANCE | $244 | $0 | $244 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE, SUITE 1350 ORLANDO, FL 32801 | HUMANA INSURANCE COMPANY OF NEBRASKA | $5K | $0 | $5K | 5.44% |
| UNKNOWN3 | UNKNOWN JACKSONVILLE, FL 32256 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 837 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,571 | $7.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,495 | $651K |
| Vision | HUMANA INSURANCE COMPANY OF NEBRASKA | 538 | $94K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 837 | $692K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 837 | $692K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 837 | $692K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,571 | $7.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 837 | $723K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,495 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.